JQ Office Staff Benefits - Effective 1/1/2023
Why am I Here?
JQ Staffing is providing full time, non-associate, office staff with new health insurance through Independence Blue Cross! This is solid health insurance with a strong network and "first dollar coverage" for most common procedures. Please review this website then click "Make Benefits Election" to either choose a plan or waive coverage for the year.
Helpful Numbers
Diversified Human Solutions (i.e. Insurance Broker): 267-948-7290
Independence Blue Cross: 800-ASK-BLUE
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Independence Blue Cross: 800-ASK-BLUE
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Health Insurance
What is the Health Insurance?
How to Shop for Health Insurance
If you are a non-associate full time employee, you are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week). JQ Staffing will pay the greater of $300 per month towards your insurance, OR any amounts in excess of 9.12% of your yearly salary to meet ACA affordability regulations (this is rare). You will be responsible for paying any smoker surcharges.
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East) and is called the HMO Bronze. NOTE: we MAY be able to add a different plan for you if the HMO Bronze is not to your liking, just ask.
The HMO Bronze plan covers doctors, specialists, urgent care facilities, some therapy services, lab-work, and diagnostic testing before the deductible.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or Keystone HMO
How to Find an In-Network Doctor
If you are a non-associate full time employee, you are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week). JQ Staffing will pay the greater of $300 per month towards your insurance, OR any amounts in excess of 9.12% of your yearly salary to meet ACA affordability regulations (this is rare). You will be responsible for paying any smoker surcharges.
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East) and is called the HMO Bronze. NOTE: we MAY be able to add a different plan for you if the HMO Bronze is not to your liking, just ask.
The HMO Bronze plan covers doctors, specialists, urgent care facilities, some therapy services, lab-work, and diagnostic testing before the deductible.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or Keystone HMO
How to Find an In-Network Doctor
Health Insurance Benefit Summary
Health Insurance Rates - 1/1/2023
Health Insurance EXTRAS
Other Health Insurance Benefits & Services
Health Insurance Claim Forms, ID Cards, EOB's
Ablepay Discounts
Sign Up for AblePay Discounts (Use “Diversified Human Solutions” as your employer to qualify)
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
Payroll Deductions
Health Insurance Weekly Deduction